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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY3 years Filed as: MORGAN STANLEY Service code 27 1585 BROADWAY · NEW YORK, NY 10036 | Advisory (Plan) | $29,016 |
JPMORGAN INVEST HOLDINGS LLC3 years Service code 64 · EIN 13-2624428 | Recordkeeping Fees | $1,695 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $47,298 | $50,919-7.1% | $155,556-69.6% | $77,762-39.2% |
| Participation rate | 36.5% | 63.1%-26.6pp | 78.2%-41.7pp | 70.6%-34.1pp |
| Annual return | 16.41% | 34.84%-18.4pp | 64.84%-48.4pp | 31.27%-14.9pp |
| Employer contribution / active EE | $1,737 | $1,991-12.8% | $4,675-62.8% | $2,728-36.3% |
| Participant deferral / active EE | $2,964 | $2,824+5.0% | $5,631-47.4% | $4,651-36.3% |
| Admin fee / account holder | $201 | $437-54.0% | $15,885-98.7% | $433-53.6% |